Preferred Checking Account
.jpg?sfvrsn=ddb5038d_5 "Feel the WOW of Preferred Checking at Dow Credit Union!")
5.12% APY* could put $83 a month back in your pocket!
*APY = Annual Percentage Yield
PREFERRED CHECKING ACCOUNT
What would you do with an extra $83 per month?
With Preferred Checking, you could earn 5.12% APY* on balances up to $20,000 when you meet the account qualifications. That could mean up to $83 in extra earnings each month, adding up to nearly $1,000 a year.
*APY = Annual Percentage Yield
.jpg?sfvrsn=3a80877c_4 "Preferred Checking at Dow Credit Union")
.png?sfvrsn=5cab7003_13 "Up to $83/mo w/Preferred Checking!")
WHAT WOULD YOU DO?
Make a splash with an extra $83!
With an extra $83 a month, you could turn an ordinary day into a splash-filled getaway. Grab someone special, head to the waterpark, race down the slides, float the lazy river and make a day of it. Sometimes, a little extra cash each month can turn into a whole lot of fun.
WOW-WORTHY FEATURES
Members with Preferred Checking enjoy all of the features!
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ZERO NSF FEES
Zero NSF fees and optional overdraft protection means less worry.
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NO MINIMUM BALANCE
No minimum balance, no monthly fees—just simple, straightforward banking.
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DIGITAL BANKING & BILL PAY
Manage your money your way, 24/7. Pay bills, check balances and move funds.
REWARDS & RATES
Complete simple monthly activities and get rewarded!
.jpg?sfvrsn=52a1904b_21 "Earn up to $1,000 a year with Preferred Checking at Dow Credit Union!")
*APY = Annual Percentage Yield
Earn Rewards
Complete these qualifying activities each month, and watch your earnings add up.
- 15 Debit Card or Credit Card Purchases
- Direct Deposit $900
- Sign in to Your Account
- Go Paperless
Preferred Checking
| Rate | |||
|---|---|---|---|
| Preferred Rate | On balances up to $20,000 after qualifying activities. | ||
| Classic Rate | On balances over $20,000 or when monthly qualifying activities are not completed. |
APY = Annual Percentage Yield. Rates subject to change. Preferred Checking is a free, variable-rate account with no minimum balance that pays the Preferred Rate on balances up to $20,000 when Qualifying Activities are met during the Monthly Qualification Cycle. Balances over $20,000 and all balances during cycles when qualifications aren’t met earn the Classic Rate. Qualifying Activities to earn the Preferred Rate, you must each month: (1) make at least 15 debit card or credit card purchases, (2) receive at least $900 in qualifying direct deposits, (3) sign in to online or mobile banking at least once, and (4) be enrolled in paperless delivery for all statements, tax forms, and notices. See Credit Union for details.
WHAT WOULD YOU DO?
Make it a dinner date with an extra $83!
With an extra $83 a month, you could enjoy a night out with your favorite person. Choose a restaurant you love, order something you wouldn't normally make at home, and make an evening of good food, great conversation and even better company.
.png?sfvrsn=3ab10539_10 "Preferred Checking at Dow Credit Union could earn enough interest to go bowling!")
2688d9a6603c4fe68085d67d1af7f29a.png?sfvrsn=554606af_13 "Preferred Checking | Kiplinger Report")
INDUSTRY RECOGNITION (IT'S KIND OF A BIG DEAL!)
Get One of the Top Yielding checking accounts in the country!
Kiplinger Personal Finance recognized Dow Credit Union as having one of the top-yielding checking accounts in the country—ranking #4 in the U.S. in the magazine’s May 2026 issue.
COMPARE CHECKING ACCOUNTS
Here is how we stack up to other financial institutions!
.gif?sfvrsn=a6c2fad8_14 "Unlike other financial institutions, we keep the qualifications to earn $83 a month SUPER SIMPLE!")
No fiery hoops! Unlike other financial institutions, we keep the qualifications to earn $83 a month SUPER SIMPLE!
APY = Annual Percentage Yield. Rates subject to change. Preferred Checking is a free, variable-rate account with no minimum balance that pays the Preferred Rate on balances up to $20,000 when Qualifying Activities are met during the Monthly Qualification Cycle. Balances over $20,000 and all balances during cycles when qualifications aren’t met earn the Classic Rate. Qualifying Activities to earn the Preferred Rate, you must each month: (1) make at least 15 debit card or credit card purchases, (2) receive at least $900 in qualifying direct deposits, (3) sign in to online or mobile banking at least once, and (4) be enrolled in paperless delivery for all statements, tax forms, and notices. See Credit Union for details.
Earn your $83/month!
Call us at 800.835.7794 to learn more or apply online today.
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